Joseph Lucas

Get to know Joseph Lucas

Joseph offers an extremely broad range of skills which have enabled him to deliver numerous measurable results to his clients throughout his career. He offers exceptional communication, problem solving, negotiation, and customer service strengths with a keen focus on motivating his clients to reach their ultimate goals. These qualities have made him valuable to clients from all levels of experience and knowledge about both the process and product opportunities. Joseph brings unique experience to his clients having for years played the roles of both licensed realtor and sales manager in the new home building industry helping customers identify their needs and then matching them with and negotiating the best value for them. These perspectives ensure that Joe’s clients are given a level of explanation beyond the numbers. Joe considers it paramount to make sure that clients have all the information they need to make a confident decision. Joe earned a BA in Speech Communication from George Mason University where he also played hoops — he was on the first ever Patriot team that reached the NCAA tournament in 1988! A local kid and a fighting hornet from Herndon High School, Joe currently resides in Loudoun County. In his off time he enjoys activities with his 4 children ranging in ages from 9 to 25, golf, and working on his 1970 Torino Gt.

Home Loans the SUCCESS® Way

FIRST TIME HOMEBUYERS

How exciting it is to buy your first home. I’ll help you, along with an outstanding support team, navigate the home loan process so you have the very best experience and learn about your homeownership options.

CONVENTIONAL

Conventional loans allow for 3% down and typically are fixed in terms and rate. Usually, a good-to-great credit score is needed to get the lower rates featured with Conventional loans. (Mortgage insurance may be required on loans greater than 80% LTV and will increase your monthly payment).

FHA

FHA loans feature down payments as low as 3.5, low closing costs, and easier credit qualifications. Great for first time homebuyers! (Mortgage insurance may be required on loans greater than 80% LTV and will increase your monthly payment).

VA

VA loans are for those who have served or are currently serving in the Armed Forces. We are honored to serve you!

JUMBO

Go big or go…home! A jumbo loan can go up to seven figures, which works if you’re buying in a high-cost area or if you just want to go big.

USDA

Living in a rural-zoned area has its perks. Zero down, lower PMI, and competitive interest rate could help you down that country road.

The SUCCESS® Lending Difference

Purchasing a home marks the start of an exciting new chapter. When you work with SUCCESS® Lending, you get more than a mortgage – you get a partner who’s with you every step of the way. With clear updates, secure digital tools, and a team that truly cares, we make the process simple, supportive, and built around you – so you can step into your new home with confidence.